Borderplex Community Capital Inc (EIN 850674277) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2020

Legal Domicile

Principal Officer

Hector Villegas

Phone

9155334020

Tax Period

2023-01-01 to 2023-12-31

Borderplex Community Capital Inc, founded in 2020, is a micro nonprofit in the Community Improvement sector that reported $9K in total revenue in fiscal year 2023. Revenue fell 100% from the prior year — a significant decline worth monitoring. Expenses of $709K exceeded revenue, resulting in a 8090% operating deficit.

Mission

To provide safe and affordable capital and education by providing in the Borderplex region, which comprises El Paso County, Texas, Dona Ana County, New Mexico, and Cd. Juarez, Mexico, exclusively for charitable, educational, scientific and other exempt purposes under section 501(c)(3) of the Code.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $8,654

Other Revenue $0

TOTAL REVENUE $8,654

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $618,945

Other Expenses $708,732

TOTAL EXPENSES $708,732

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,654	$2,002,105	-1.0%
Expenses	$708,732	$1,408,481	-0.5%
Net Income	$-700,078	$593,624	-2.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$850,681

Total Directors

$850,681

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Richard E Pearson	VP/Director	1.00	Officer Director	$0	$97,343	$425,671
Carmen M Vargas	Sec/Treas/Dir	1.50	Officer Director	$0	$55,498	$207,290
Mario A Porras	Director	2.50	Officer Director	$0	$51,859	$152,948
Hector Villegas	President & CEO	15.00	Officer Director	$0	$6,310	$64,772

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$8,654	$708,732	$4,209,203	$-700,078
2022	$2,002,105	$1,408,481	$4,909,846	$593,624
2021	$4,131,887	$153,304	$4,355,976	$3,978,583

Borderplex Community Capital Inc